What it does
CU 24 51 provides umbrella coverage for the unmanned aircraft designated in the schedule under Coverage A (bodily injury and property damage) only. Personal and advertising injury arising from the same aircraft stays excluded, so privacy or publication claims tied to drone use are not covered by this endorsement.
Who needs it
Drone operators where personal and advertising injury coverage is not offered.
How it fits the umbrella
ISO umbrella endorsements are listed on the umbrella declarations and change the CU 00 01 coverage form. Many are designed to follow a matching CGL, auto or employers liability endorsement so that the umbrella and the underlying policies respond the same way; when you add the underlying endorsement, ask whether the umbrella needs its counterpart.
Quoting and selling notes
- Explain the Coverage B gap for privacy claims.
